Cowbell Prime One
Standalone cyber insurance programme
Prime One is suitable for a range of businesses, including:
- Accounting firms
- Construction & Contractors
- Entertainment
- Financial services
- Healthcare
- Hospitality & Hotel
- Insurance brokerages
- Law firms
- Manufacturing
- Medical & Dental offices
- Not-for-Profit
- Professional services
- Retail & E-commerce
- Transportation
- Wholesale
The Cowbell advantage
We design coverage around...
what actually happens in a cyber event, explained in clear, simple terms that brokers can share with clients. Prime One goes beyond insurance to deliver resilience that resonates: calm, effective protection that strengthens businesses before, during, and after an incident.
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Cowbell factors™:
Easy-to-understand risk ratings that reveal vulnerabilities clearly
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Cowbell insights:
Practical, actionable guidance to strengthen defences
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Expert Claims Support:
24/7 in-house specialists who lead with empathy, guide recovery, and provide peace of mind when it matters most
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Cybersecurity awareness training:
Complimentary, easy-to-administer training programmes that empower employees to identify threats before they turn into a cyber event*
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Cowbell resiliency services (CRS):
Practical tools and expert guidance to help businesses identify vulnerabilities, strengthen defences, and recover faster
*Cybersecurity awareness training offered through Wizer. Policyholders get unlimited seats at no additional cost for the first 12 months after policy inception. Email us at plorefrphevgl@pbjoryyplore.nv to learn more.
Prime One coverages
The Prime One cyber protection package helps protect businesses from the wide range of cyber incidents that can disrupt operations. It provides clear, essential insurance cover for the most common cyber threats and includes built-in tools and training that help businesses stay stronger before, during, and after an incident.
Breach fund costs
Coverage for costs incurred resulting from an actual or reasonably suspected cyber event, including breach counsel, forensics, notification, identity monitoring services, and crisis management.
Liability costs
Coverage for defence expenses and damages the insured becomes legally obligated to pay, including contingent bodily injury and property damage, as a result of a covered claim.
Business interruption loss
Coverage for the income loss and extra expenses incurred due to the actual and measurable interruption or degradation in performance of the insured’s computer system, including a voluntary shutdown of the system when such action is taken to minimise, avoid, or reduce further damage as a result of a covered incident.
Data restoration
Coverage for the cost to replace, restore, recreate, or recover data residing on an insured’s computer system that is compromised as a direct result of a network security incident.
Cyber crime loss
Coverage for loss of money directly resulting from: (1) social engineering, (2) reverse social engineering, and/or (3) fraudulent transfer of funds.
System failure
Coverage for income loss and extra expenses due to a system failure which causes interruption, suspension, or degradation in performance of the insured’s or their service provider’s computer system.
Bricking costs
Coverage for the reasonable and necessary costs to replace, remediate, or improve the insured’s computer system as a direct result of a network security incident.
Extortion costs
Coverage for losses from a privacy incident or network security incident resulting from a credible threat or series of threats, such as a ransomware attack.
Business impersonation costs
Coverage for costs to inform potentially impacted individuals, vendors, or suppliers of any fraudulent communications from a third party designed to impersonate the insured.
Cowbell:
Cowbell delivers cyber insurance that cuts through complexity and adapts as risks evolve. With streamlined quoting, expert guidance, and protection designed for the realities of today’s threats, we make coverage easier to understand and more reliable when it matters most. The foundation of this approach is the Hum—our constant, steady vigilance that leads to stronger businesses, trusted partnerships, and the quiet confidence to keep moving forward.
This overview is for general informational purposes only and does not constitute an offer of insurance. The coverages and examples described are illustrative and may not represent all possible scenarios. Availability, terms, limits, and conditions may vary and are subject to underwriting approval. References to third-party services are subject to their own terms and availability. Actual coverage is determined solely by the terms, conditions, and exclusions of the issued policy.
Cowbell Prime One is offered through Cowbell Insurance Solutions Pty Ltd. (“COWBELL AU”) (ABN 52 684 362 552, AFSL 700075) as a delegated authority holder for Zurich Australian Insurance Limited (ABN 13 000 296 640 and AFS Licence 232507) in entering into, varying, and cancelling policies and managing claims.
